Vehicle Insurance
Normally, you do not have to produce your "green card" or insurance
certificate when crossing an internal frontier of the European
Union. The license plates of your car are an evidence that you got the
obligatory civil liability insurance in your Member State.
However, if you are responsible for a car accident in another
Member State, your insurance certificate will constitute proof that you
are covered by an insurance policy that enables the victim/s to obtain
compensation.
Moreover, if you are the victim of a car accident in another
Member State, you will be indemnified following the rules of that Member
State or the rules of your country of residence (if the indemnification
there is higher).
There are not yet uniform rules about the indemnification, but
you have, irrespective of the Member State, a minimum coverage up to EUR
350 000 for personal injury and EUR 100 000 for material damage. Note
however that the total amount can be limited in certain Member States
where the same accident results in a number of victims.
If the accident is caused by an uninsured or unidentifiable car,
you are entitled under Community law to compensation from the motor
vehicle guarantee fund of the Member State in which the accident occurred.
